Call reports 2015
SWEET WATER STATE BANK — 2015
What SWEET WATER STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 95,262,000 | 94,982,000 | 93,477,000 | 96,029,000 |
| Total loans | 69,830,000 | 70,015,000 | 67,131,000 | 68,056,000 |
| Allowance for loan losses | 909,000 | 929,000 | 841,000 | 848,000 |
| Securities available for sale | 8,093,000 | 8,829,000 | 8,459,000 | 8,621,000 |
| Securities held to maturity | 3,246,000 | 3,726,000 | 3,725,000 | 3,919,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,773,000 | 81,533,000 | 79,573,000 | 82,907,000 |
| Interest-bearing deposits | 65,407,000 | 64,559,000 | 62,886,000 | 65,968,000 |
| Noninterest-bearing deposits | 16,366,000 | 16,974,000 | 16,687,000 | 16,939,000 |
| Equity capital | 9,351,000 | 9,215,000 | 9,639,000 | 9,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,242,000 | 2,491,000 | 3,736,000 | 4,962,000 |
| Interest expense | 85,000 | 173,000 | 261,000 | 349,000 |
| Net interest income | 1,157,000 | 2,318,000 | 3,475,000 | 4,613,000 |
| Noninterest income | 166,000 | 352,000 | 558,000 | 754,000 |
| Noninterest expense | 971,000 | 1,856,000 | 2,806,000 | 3,793,000 |
| Provision for loan losses | 25,000 | 101,000 | 136,000 | 166,000 |
| Pretax income | 327,000 | 713,000 | 1,091,000 | 1,408,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 327,000 | 713,000 | 1,091,000 | 1,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,449,000 | 9,211,000 | 9,589,000 | 9,906,000 |
| Total capital | 10,348,000 | 10,116,000 | 10,430,000 | 10,690,000 |
| Risk-weighted assets | 71,942,000 | 72,416,000 | 70,620,000 | 62,654,000 |